Terms of Service

Last Updated: November 15, 2023

Welcome to Vurova & Wafifu. These Terms of Service govern your use of our website and services. By accessing or using our services, you agree to be bound by these Terms.

Services Description

Vurova & Wafifu provides educational services related to personal finance management, including but not limited to budgeting, expense tracking, debt management, and investment education. Our services are provided for educational purposes only and do not constitute financial advice.

Eligibility

To use our services, you must be at least 18 years of age and capable of forming a binding contract. By using our services, you represent and warrant that you meet these eligibility requirements.

Account Registration

To access certain features of our services, you may be required to register for an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate.

Payment Terms

Fees for our services are as stated on our website. All fees are payable in advance and are non-refundable except as required by law or as otherwise stated in our refund policy.

Intellectual Property

All content included on our website and in our services, such as text, graphics, logos, images, and software, is the property of Vurova & Wafifu or its content suppliers and protected by copyright and other laws.

User Conduct

You agree not to use our services to:

• Violate any applicable law or regulation
• Infringe the rights of any third party
• Engage in any fraudulent or deceptive activities
• Distribute viruses or other harmful computer code
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the integrity or performance of our services

Disclaimer of Warranties

Our services are provided "as is" without warranty of any kind. We do not guarantee that our services will be uninterrupted, timely, secure, or error-free.

Limitation of Liability

To the fullest extent permitted by law, Vurova & Wafifu shall not be liable for any indirect, incidental, special, consequential, or punitive damages resulting from your use of or inability to use our services.

Indemnification

You agree to indemnify and hold harmless Vurova & Wafifu and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of our services or violation of these Terms.

Termination

We may terminate or suspend your access to our services at any time, without prior notice or liability, for any reason, including if you breach these Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein.

Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of significant changes by posting the new Terms on our website and updating the "Last Updated" date.

Contact Information

If you have any questions about these Terms, please contact us at:

Vurova & Wafifu
123 Financial District Blvd
Toronto, ON M5J 2T8
Canada
Email: info@vurova-wafifu.sbs
Phone: +1 4371204661